a) A penalty may be imposed for early withdrawal.
b) The interest rate and annual percentage yield may change after account opening.
c) Daily balance. The amount of the principal in the account each day.
d) The base rate will be paid if requirements are not met in qualification cycle.

Fees may reduce the earnings on the accounts.

FDIC Insurance InformationDeposits are FDIC insured. If you have questions relating to the amount of FDIC insurance coverage for your accounts at The First National Bank, you may want to use the Electronic Deposit Insurance Estimator provided by FDIC at www.fdic.gov/edie. You may also stop by the Bank and pick up a brochure on FDIC insurance.